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Merchant Services & Payment Solutions

Accept payments anywhere to help power your growth

Safe, simple, flexible ways to accept payments on your site, app, mobile and more. Next business day funding and streamlined tools give you more power from day one to global enterprise payments.

Woman at work desk viewing two monitor screens

Payment acceptance with quick setup & flexible APIs

Get started with simplified onboarding of solutions tailored to your vertical and stage of growth, easy-to-integrate APIs and tools, and a robust developer sandbox for scalability.

Get paid fast to help cash flow

Accept payments for sales, invoices, subscriptions and recurring billing—with funding the next business day.

Woman with curly hair smiling at her phone

Intuitive reporting and actionable insights

Streamline accounting

Manage transaction types, sales tax, invoicing and customer card-on-file.

Help reduce costs & fraud

Minimize fraud losses and chargebacks with data, tools and reporting.

Laptop and mobile displaying charts and payments clover solution

Simplify payment acceptance with a Clover® solution

Manage all sales channels in one dashboard online or via mobile, accept one-time and recurring payments, and efficiently sync orders, invoices, inventory and customer data across all channels.

Customized payment solutions for your vertical and business models

Payments-as-a-service

Embed payment acceptance into your platform.

Global acceptance

Transact in more than 140 currencies.

Scalable

Evolve solution to keep pace with your growth.

Ready to talk with our team?

Merchant Services FAQs

Merchant Services enables your business to accept debit and credit cards, digital wallets, gift cards, checks (scanned as digital payment) and other payment types.

Funds can be deposited into your linked account as soon as the next business day for your processed payments.

Powerful real-time analytics give you fast insights into sales data, trends and performance across your channels and locations. Transactions capture Level 2 and Level 3 business card data for deeper detail.

Yes. You can integrate your merchant services data with QuickBooks and Xero and add APIs to connect to NetSuite and other enterprise resource planning (ERP) systems. Explore the API Sandbox.

With Merchant Services, clients can accept a wide range of digital and in-person payments via online platforms, mobile, in-app and more.

A merchant service charge is a fee a business pays when their customer uses a debit card, credit card or digital wallet to purchase services or merchandise.

New Merchant Services program offerings are subject to underwriting, credit, and collateral approval. All information contained herein is for informational purposes only and no guarantee is expressed or implied. Terms and conditions apply.

The Clover name is a registered trademark owned by Clover Network, Inc., a wholly owned subsidiary of First Data Corporation.

All third-party trademarks referenced by First Citizens Bank remain the property of their respective owners. First Citizens Bank’s use of third-party trademarks does not indicate any relationship, sponsorship or endorsement between First Citizens Bank and the owners of these trademarks. All references by First Citizens Bank to third-party trademarks are to identify the corresponding third-party goods and services and intended to constitute nominative fair use under applicable trademark laws.

Banking and lending products or services are offered by First Citizens Bank. Accounts are subject to credit approval. Restrictions and limitations may apply.

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